10 Best SIP Plans for 10, 20 Year Investment 2025

Updated on October 13, 2025 , 232634 views

“What if I told you that Investing just ₹10,000 a month could potentially make you a crorepati in 15 years? That’s the power of a SIP — but only if you choose the right plan and stick with it.”

In India, SIP investments crossed ₹20,000 crore per month in 2024, proving how lakhs of investors are betting on disciplined wealth-building. But here’s the catch — not all SIP plans deliver equally. If your horizon is 10–20 years, you’re in the sweet spot for compounding. This is where small monthly investments can snowball into a massive corpus — enough for retirement, your child’s IIT/IIM dream, or even early financial freedom.

In this article, we’ll explore the 10 Top SIP plans for 2025 designed for long-term growth, analyse their performance, show wealth projections, and even cover diversification options like international funds — so you can invest smartly and confidently.

What is a SIP?

A Systematic Investment plan (SIP) is a disciplined way of investing in Mutual Funds, where you contribute a fixed amount every month (as low as ₹500). Instead of worrying about timing the market, SIPs average out your cost and let your money grow consistently over time.

For long-term goals (10–20 years), SIPs work best because they combine:

Compounding → reinvesting returns to multiply wealth
Rupee Cost Averaging (RCA) → reducing risk of Volatility
Affordability → start small, scale later
Discipline → automatic, hassle-free investing

Why SIPs Work Best for 10–20 Years

1. Power of Compounding – The Real Wealth Builder

Compounding is like a snowball effect — the longer your money stays invested, the larger it grows. The “interest on interest” accelerates wealth creation in the later years.

Example:

Invest ₹5,000/month for 10 years at 12% annualised return → ₹5 lakh principal grows to ₹11.6 lakh.
Keep going for 20 years → ₹12 lakh principal grows to ₹49 lakh + That’s over 4x growth simply by giving your money more time.

This is why SIPs are most powerful when held for at least 15–20 years.

2. Rupee Cost Averaging (RCA) – Your Shield Against Timing the Market

Nobody can perfectly predict market highs and lows. With SIPs, you don’t have to.

When markets are high → you buy fewer units.
When markets fall → you buy more units at cheaper prices.

Over time, your purchase price averages out, reducing the “wrong entry” risk. This is especially valuable in volatile markets like India’s, where short-term ups and downs can scare investors.

Example: A lump sum investor in Jan 2020 (before COVID crash) would have panicked. But an SIP investor kept buying through the crash and the rebound, benefiting from low prices.

3. Affordability & Flexibility – Investing Fits Your Budget

Unlike lump sum investments, SIPs are designed for affordability. You can start small (₹500 or ₹1,000/month) and step up later as your income grows.

Example: Many professionals begin with ₹2,000/month SIPs in their 20s and later raise it to ₹10,000–₹15,000/month in their 30s. This step-up strategy can increase your final corpus by 30–40% without straining your budget.

Flexibility features like pausing SIPs during emergencies or switching funds make it beginner-friendly.

4. Reduced Emotional Bias – Discipline Wins the Game

One of the biggest enemies of wealth creation is human behaviour. We tend to:

Invest more when markets are booming (FOMO).
Panic sell when markets crash.

SIPs automate discipline. Since the money is auto-debited every month, you continue investing regardless of market noise. This ensures you buy in both good and bad times, and avoid destructive emotional decisions.

Example: Investors who continued SIPs even during the 2008 crisis saw massive wealth creation by 2018 because they bought at rock-bottom prices.

✅ In short: SIPs work best in 10–20 years because they combine compounding, discipline, affordability, and risk-averaging — qualities no other investment vehicle offers in such a balanced way.

Best SIP Plans for 10–20 Years in 2025

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Fund Selection Methodology used to find 10 funds

Investment Option: SIP
AUM Range: 500 to 100000 Cr
Minimum fund age: 5 years
Sorted On : 5-year return (high to low)
Tags: SmartSip, fcpro
No Of Funds: 10
Funds suggested criteria is selected based on long terms returns and higher risk & assets under management (AUM) is high.

Best SIP Plans for 10, 20 Year Investment

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
ICICI Prudential Infrastructure Fund Growth	₹197.45 ↑ 1.61	₹7,645	100	-0.9	11.3	0	29.1	38.3	27.4
HDFC Infrastructure Fund Growth	₹47.96 ↑ 0.40	₹2,483	300	-0.8	9.3	-2	28.7	35.1	23
Motilal Oswal Midcap 30 Fund Growth	₹105.054 ↑ 2.11	₹34,780	500	1.9	17.2	-4.3	27.2	33.8	57.1
Franklin Build India Fund Growth	₹142.981 ↑ 1.39	₹2,884	500	-0.9	11.1	-2.1	28.5	33.8	27.8
Bandhan Infrastructure Fund Growth	₹49.751 ↑ 0.36	₹1,613	100	-3.8	7.5	-9.6	27.6	33.7	39.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 15 Oct 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Infrastructure Fund	HDFC Infrastructure Fund	Motilal Oswal Midcap 30 Fund	Franklin Build India Fund	Bandhan Infrastructure Fund
Point 1	Upper mid AUM (₹7,645 Cr).	Bottom quartile AUM (₹2,483 Cr).	Highest AUM (₹34,780 Cr).	Lower mid AUM (₹2,884 Cr).	Bottom quartile AUM (₹1,613 Cr).
Point 2	Oldest track record among peers (20 yrs).	Established history (17+ yrs).	Established history (11+ yrs).	Established history (16+ yrs).	Established history (14+ yrs).
Point 3	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).	Top rated.	Rating: 5★ (upper mid).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 38.34% (top quartile).	5Y return: 35.08% (upper mid).	5Y return: 33.83% (lower mid).	5Y return: 33.83% (bottom quartile).	5Y return: 33.73% (bottom quartile).
Point 6	3Y return: 29.12% (top quartile).	3Y return: 28.72% (upper mid).	3Y return: 27.22% (bottom quartile).	3Y return: 28.53% (lower mid).	3Y return: 27.61% (bottom quartile).
Point 7	1Y return: -0.01% (top quartile).	1Y return: -2.01% (upper mid).	1Y return: -4.29% (bottom quartile).	1Y return: -2.06% (lower mid).	1Y return: -9.58% (bottom quartile).
Point 8	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 4.99 (top quartile).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 9	Sharpe: -0.48 (upper mid).	Sharpe: -0.64 (lower mid).	Sharpe: -0.18 (top quartile).	Sharpe: -0.64 (bottom quartile).	Sharpe: -0.71 (bottom quartile).
Point 10	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.57 (top quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).

ICICI Prudential Infrastructure Fund

Upper mid AUM (₹7,645 Cr).
Oldest track record among peers (20 yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 38.34% (top quartile).
3Y return: 29.12% (top quartile).
1Y return: -0.01% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.48 (upper mid).
Information ratio: 0.00 (upper mid).

HDFC Infrastructure Fund

Bottom quartile AUM (₹2,483 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 35.08% (upper mid).
3Y return: 28.72% (upper mid).
1Y return: -2.01% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.64 (lower mid).
Information ratio: 0.00 (lower mid).

Motilal Oswal Midcap 30 Fund

Highest AUM (₹34,780 Cr).
Established history (11+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 33.83% (lower mid).
3Y return: 27.22% (bottom quartile).
1Y return: -4.29% (bottom quartile).
Alpha: 4.99 (top quartile).
Sharpe: -0.18 (top quartile).
Information ratio: 0.57 (top quartile).

Franklin Build India Fund

Lower mid AUM (₹2,884 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: High.
5Y return: 33.83% (bottom quartile).
3Y return: 28.53% (lower mid).
1Y return: -2.06% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.64 (bottom quartile).
Information ratio: 0.00 (bottom quartile).

Bandhan Infrastructure Fund

Bottom quartile AUM (₹1,613 Cr).
Established history (14+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 33.73% (bottom quartile).
3Y return: 27.61% (bottom quartile).
1Y return: -9.58% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.71 (bottom quartile).
Information ratio: 0.00 (bottom quartile).

About the Fincash Research Team

At Fincash, our mission is to help investors make informed, confident decisions. With over 9 years in Mutual Fund distribution, our team blends deep industry expertise with a commitment to transparency, accuracy, and investor education.

Who We Are

AMFI Registration No.: 112358
MCA CIN: U74999MH2016PTC282153
Location: Thane, Maharashtra, India
Experience: 9+ years in Mutual Fund distribution

Our Expertise

Certified Mutual Fund Distributors with hands-on advisory experience.
Market analysts tracking performance, macro trends, and sectors.
Data specialists processing NAVs, allocations, and risk metrics from Morning Star.

Our Research Process

Data sourcing: SEBI-registered fund houses & verified third-party provider Morning Star
Screening: Returns, manager track record, expenses, sector mix, risk-adjusted metrics.
Expert review: Senior team members review every article and list for accuracy.
Updates: Regular refreshes so performance data reflects current market conditions.

Why Trust Us

Regulated & compliant: AMFI-registered and MCA-incorporated.
Investor-first: No pay-to-promote lists; suitability and performance drive coverage.
Education-focused: We simplify complex concepts for everyday investors.

Disclaimer

Content is for educational and informational purposes only and is not investment advice. Please consider your risk profile and consult a financial advisor before investing.

All the funds mentioned above are ideal, we are giving you detailed analysis of 5 funds.

1. ICICI Prudential Infrastructure Fund

To generate capital appreciation and income distribution to unit holders by investing predominantly in equity/equity related securities of the companies belonging to the infrastructure development and balance in debt securities and money market instruments.

Research Highlights for ICICI Prudential Infrastructure Fund

Lower mid AUM (₹7,645 Cr).
Oldest track record among peers (20 yrs).
Top rated.
Risk profile: High.
5Y return: 38.34% (upper mid).
3Y return: 29.12% (upper mid).
1Y return: -0.01% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.48 (lower mid).
Information ratio: 0.00 (lower mid).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding Larsen & Toubro Ltd (~9.4%).

Below is the key information for ICICI Prudential Infrastructure Fund

ICICI Prudential Infrastructure Fund Growth
Launch Date	31 Aug 05
NAV (15 Oct 25)	₹197.45 ↑ 1.61 (0.82 %)
Net Assets (Cr)	₹7,645 on 31 Aug 25
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	-0.48
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹20,062
30 Sep 22	₹22,524
30 Sep 23	₹31,255
30 Sep 24	₹50,301
30 Sep 25	₹48,047

ICICI Prudential Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹773,746.
Net Profit of ₹473,746 Invest Now

Returns for ICICI Prudential Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Oct 25

Duration	Returns
1 Month	1.2%
3 Month	-0.9%
6 Month	11.3%
1 Year	0%
3 Year	29.1%
5 Year	38.3%
10 Year
15 Year
Since launch	16%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	27.4%
2023	44.6%
2022	28.8%
2021	50.1%
2020	3.6%
2019	2.6%
2018	-14%
2017	40.8%
2016	2%
2015	-3.4%

Fund Manager information for ICICI Prudential Infrastructure Fund

Name	Since	Tenure
Ihab Dalwai	3 Jun 17	8.25 Yr.
Sharmila D’mello	30 Jun 22	3.17 Yr.

Data below for ICICI Prudential Infrastructure Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Industrials	38.63%
Basic Materials	15.71%
Financial Services	15.25%
Utility	10.39%
Energy	8.23%
Real Estate	2.98%
Consumer Cyclical	1.94%
Communication Services	1.71%

Asset Allocation

Asset Class	Value
Cash	5.16%
Equity	94.84%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 09 \| LT	9%	₹720 Cr	1,998,954
NTPC Ltd (Utilities) Equity, Since 29 Feb 16 \| NTPC	5%	₹363 Cr	11,079,473
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 May 24 \| ADANIPORTS	4%	₹298 Cr	2,268,659
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 23 \| RELIANCE	4%	₹275 Cr	2,029,725
NCC Ltd (Industrials) Equity, Since 31 Aug 21 \| NCC	3%	₹267 Cr	13,053,905 ↑ 531,900
Vedanta Ltd (Basic Materials) Equity, Since 31 Jul 24 \| VEDL	3%	₹264 Cr	6,279,591
Kalpataru Projects International Ltd (Industrials) Equity, Since 30 Sep 06 \| KPIL	3%	₹225 Cr	1,803,566
Axis Bank Ltd (Financial Services) Equity, Since 31 Dec 20 \| AXISBANK	3%	₹209 Cr	1,996,057 ↑ 100,000
AIA Engineering Ltd (Industrials) Equity, Since 28 Feb 21 \| AIAENG	3%	₹202 Cr	660,770
CESC Ltd (Utilities) Equity, Since 30 Jun 23 \| CESC	2%	₹178 Cr	11,700,502

2. HDFC Infrastructure Fund

To seek long-term capital appreciation by investing predominantly in equity and equity related securities of companies engaged in or expected to benefit from growth and development of infrastructure.

Research Highlights for HDFC Infrastructure Fund

Bottom quartile AUM (₹2,483 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 35.08% (lower mid).
3Y return: 28.72% (lower mid).
1Y return: -2.01% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.64 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~92%).
Largest holding ICICI Bank Ltd (~7.3%).

Below is the key information for HDFC Infrastructure Fund

HDFC Infrastructure Fund Growth
Launch Date	10 Mar 08
NAV (15 Oct 25)	₹47.96 ↑ 0.40 (0.85 %)
Net Assets (Cr)	₹2,483 on 31 Aug 25
Category	Equity - Sectoral
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	2.06
Sharpe Ratio	-0.64
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹18,908
30 Sep 22	₹20,652
30 Sep 23	₹29,739
30 Sep 24	₹46,335
30 Sep 25	₹43,823

HDFC Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹721,906.
Net Profit of ₹421,906 Invest Now

Returns for HDFC Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Oct 25

Duration	Returns
1 Month	0.7%
3 Month	-0.8%
6 Month	9.3%
1 Year	-2%
3 Year	28.7%
5 Year	35.1%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2024	23%
2023	55.4%
2022	19.3%
2021	43.2%
2020	-7.5%
2019	-3.4%
2018	-29%
2017	43.3%
2016	-1.9%
2015	-2.5%

Fund Manager information for HDFC Infrastructure Fund

Name	Since	Tenure
Srinivasan Ramamurthy	12 Jan 24	1.64 Yr.
Dhruv Muchhal	22 Jun 23	2.2 Yr.

Data below for HDFC Infrastructure Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Industrials	38.25%
Financial Services	20.27%
Basic Materials	10.14%
Utility	6.94%
Energy	6.33%
Communication Services	3.68%
Real Estate	2.29%
Health Care	1.84%
Technology	1.62%
Consumer Cyclical	0.47%

Asset Allocation

Asset Class	Value
Cash	8.17%
Equity	91.83%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	7%	₹182 Cr	1,300,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 12 \| LT	6%	₹137 Cr	380,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Aug 23 \| HDFCBANK	5%	₹133 Cr	1,400,000
Kalpataru Projects International Ltd (Industrials) Equity, Since 31 Jan 23 \| KPIL	4%	₹95 Cr	758,285
J Kumar Infraprojects Ltd (Industrials) Equity, Since 31 Oct 15 \| JKIL	3%	₹86 Cr	1,400,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Dec 21 \| INDIGO	3%	₹85 Cr	150,000
NTPC Ltd (Utilities) Equity, Since 31 Dec 17 \| NTPC	3%	₹72 Cr	2,200,000
Reliance Industries Ltd (Energy) Equity, Since 31 May 24 \| RELIANCE	3%	₹68 Cr	500,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 20 \| BHARTIARTL	3%	₹66 Cr	350,000
G R Infraprojects Ltd (Industrials) Equity, Since 31 Jul 21 \| 543317	2%	₹59 Cr	470,000

3. Motilal Oswal Midcap 30 Fund

(Erstwhile Motilal Oswal MOSt Focused Midcap 30 Fund)

The investment objective of the Scheme is to achieve long term capital appreciation by investing in a maximum of 30 quality mid-cap companies having long-term competitive advantages and potential for growth. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved.

Research Highlights for Motilal Oswal Midcap 30 Fund

Highest AUM (₹34,780 Cr).
Established history (11+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 33.83% (bottom quartile).
3Y return: 27.22% (bottom quartile).
1Y return: -4.29% (bottom quartile).
Alpha: 4.99 (upper mid).
Sharpe: -0.18 (upper mid).
Information ratio: 0.57 (upper mid).
Higher exposure to Technology vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding Dixon Technologies (India) Ltd (~10.1%).

Below is the key information for Motilal Oswal Midcap 30 Fund

Motilal Oswal Midcap 30 Fund Growth
Launch Date	24 Feb 14
NAV (15 Oct 25)	₹105.054 ↑ 2.11 (2.04 %)
Net Assets (Cr)	₹34,780 on 31 Aug 25
Category	Equity - Mid Cap
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.56
Sharpe Ratio	-0.18
Information Ratio	0.57
Alpha Ratio	4.99
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹16,771
30 Sep 22	₹20,631
30 Sep 23	₹24,973
30 Sep 24	₹42,904
30 Sep 25	₹39,390

Motilal Oswal Midcap 30 Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹689,048.
Net Profit of ₹389,048 Invest Now

Returns for Motilal Oswal Midcap 30 Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Oct 25

Duration	Returns
1 Month	0.2%
3 Month	1.9%
6 Month	17.2%
1 Year	-4.3%
3 Year	27.2%
5 Year	33.8%
10 Year
15 Year
Since launch	22.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	57.1%
2023	41.7%
2022	10.7%
2021	55.8%
2020	9.3%
2019	9.7%
2018	-12.7%
2017	30.8%
2016	5.2%
2015	16.5%

Fund Manager information for Motilal Oswal Midcap 30 Fund

Name	Since	Tenure
Ajay Khandelwal	1 Oct 24	0.92 Yr.
Niket Shah	1 Jul 20	5.17 Yr.
Rakesh Shetty	22 Nov 22	2.78 Yr.
Sunil Sawant	1 Jul 24	1.17 Yr.

Data below for Motilal Oswal Midcap 30 Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Technology	37.96%
Consumer Cyclical	26.86%
Industrials	20.24%
Communication Services	3.34%
Health Care	3.21%
Financial Services	3.2%
Real Estate	2.58%

Asset Allocation

Asset Class	Value
Cash	2.61%
Equity	97.39%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Dixon Technologies (India) Ltd (Technology) Equity, Since 31 Mar 23 \| DIXON	10%	₹3,505 Cr	2,099,999
Coforge Ltd (Technology) Equity, Since 31 Mar 23 \| COFORGE	10%	₹3,405 Cr	19,750,000 ↑ 1,749,950
Trent Ltd (Consumer Cyclical) Equity, Since 30 Nov 24 \| TRENT	9%	₹3,179 Cr	6,000,000 ↑ 750,000
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Aug 25 \| 543320	9%	₹3,140 Cr	100,000,000 ↑ 100,000,000
Kalyan Jewellers India Ltd (Consumer Cyclical) Equity, Since 29 Feb 24 \| KALYANKJIL	9%	₹3,025 Cr	60,000,000 ↑ 9,923,760
One97 Communications Ltd (Technology) Equity, Since 30 Sep 24 \| 543396	9%	₹3,018 Cr	25,000,000 ↑ 11,130,003
Persistent Systems Ltd (Technology) Equity, Since 31 Jan 23 \| PERSISTENT	8%	₹2,918 Cr	5,500,000 ↑ 99,995
Polycab India Ltd (Industrials) Equity, Since 30 Sep 23 \| POLYCAB	6%	₹2,163 Cr	3,050,000 ↑ 300,000
KEI Industries Ltd (Industrials) Equity, Since 30 Nov 24 \| KEI	4%	₹1,429 Cr	3,750,000 ↑ 250,000
Kaynes Technology India Ltd (Industrials) Equity, Since 30 Jun 25 \| KAYNES	4%	₹1,286 Cr	2,100,000 ↑ 153,298

SIP Calculator Example: 10 vs 20 Years

SIP Amount	Duration	Expected Returns (12% CAGR)	Final Corpus
₹5,000/month	10 years	~₹11.6 lakh	~₹11.6 lakh
₹5,000/month	20 years	~₹49 lakh	~₹49 lakh
₹10,000/month	20 years	~₹98 lakh	~₹98 lakh

Insight: Doubling your time horizon (10 → 20 years) multiplies wealth 4X, thanks to compounding.

Taxation of SIP Investments (2025 Rules)

Equity SIPs:

STCG (<1 year): 15% tax
LTCG (≥1 year): 10% tax (above ₹1 lakh gains)

Debt SIPs:

STCG: Taxed as per income slab
LTCG: 20% with indexation (≥3 years)

SIPs in ELSS (Equity Linked Savings Scheme) also offer ₹1.5 lakh deduction under Section 80C.

Who Should Invest in SIPs for 10–20 Years?

Salaried professionals planning retirement
Parents planning for children’s higher education or marriage
Young investors aiming for ₹1 crore+ corpus
Anyone who wants disciplined, long-term wealth creation
❌ Not suitable for those looking for short-term or guaranteed returns.

Expert Tips Before Investing

Do not exceed 15% of Portfolio allocation.
Always check fund expense ratio.
Consider SIPs for disciplined global investing.
Track global economic news (US Fed, China GDP, oil prices).
Avoid chasing short-term returns — treat them as long-term wealth creators.

How to Invest in Mutual Fund SIP Online?

Open Free Investment Account for Lifetime at Fincash.com.

Complete your Registration and KYC Process

Upload Documents (PAN, Aadhaar, etc.). And, You are Ready to Invest!

Get Started

Final Thoughts

SIPs are the most reliable way to build long-term wealth in India. With just ₹500–₹5,000 per month, you can achieve major life goals in 10–20 years. Use Indian equity SIPs as your core portfolio and add a small allocation to International Mutual Funds for diversification. In 2025, with rising global themes (AI, EVs, clean energy), and India’s growth story, SIPs remain the smartest way to participate in wealth creation.

FAQs

Q1. Which SIP is best for 20 years in India?

A: Large cap, flexi cap, and ELSS Equity Funds are best for long horizons.

Q2. Can I become a crorepati by SIP?

A: Yes. A ₹10,000 SIP for 20 years at 12% CAGR can grow to nearly ₹1 crore.

Q3. What is the minimum amount to start a SIP?

A: You can start with ₹500/month, some AMCs allow even ₹100/month.

Q4. Which SIPs are tax-saving?

A: ELSS (Equity Linked Savings Schemes) qualify for Section 80C deduction.

Q5. Should I stop my SIP during market crashes?

A: No. Continuing SIPs during downturns buys more units at lower prices.

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.